Changes to "Scratchpad" between r40 and r80

Changes to Scratchpad between r40 and r80

~~1. Test1~~
~~11. Test2~~
~~111. Test3===~~
If you have to pay someone `''X''%` of principal `''Y''`, the total amount needed to pay is `''Total'' = ''Y'' / (1 - (''X'' / 100))`

Legend

     Only in r40
     Only in r80
     -->      Modified slightly between r40 and r80